| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 3.78% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.28% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.06% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.21% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.28% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $854 | $854 | 5.00% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | VISION SERVICE PLAN | $744 | — | $744 | 7.51% |
| PAUL M WALSH3 | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $617 | $35 | $652 | 7.66% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS | 129 CHURCH STREET SUITE 508 NEW HAVEN, CT 06510 | AFLAC | $632 | — | $632 | 7.43% |
| SAMUEL TATUM3 | 152 HURLBUTT STREET WILTON, CT 06897 | AFLAC | $213 | $14 | $227 | 2.67% |
| BROAD RANGE BENEFITS GROUP LLC3 | 4 ARMSTRONG ROAD SUITE 100 SHELTON, CT 06484 | AFLAC | $196 | — | $196 | 2.30% |
| JUSTIN GRIFFEY3 | 7 MICHELE DRIVE CARLISLE, PA 17013 | AFLAC | $162 | $14 | $176 | 2.07% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $138 | — | $138 | 1.62% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 110 LIMERICK ROAD FAIRFIELD, CT 06824 | AFLAC | $64 | — | $64 | 0.75% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $34 | — | $34 | 0.40% |
| CHRISTOPHER S AUSTERMANN3 | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $9 | — | $9 | 0.11% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $9 | — | $9 | 0.11% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 171 | $90K |
| Vision | VISION SERVICE PLAN | 111 | $10K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $26K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $23K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.